Senior Analyst, Customer Segmentation at Chime

| San Francisco
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Chime is the largest and fastest-growing player in the challenger-banking space, providing mobile and online banking technology in the U.S. on behalf of partner banks and facilitating over 10M accounts with no physical branches. We’re a technology company relentlessly focused on helping our members achieve financial peace of mind. That’s why we offer access to an award-winning bank account that doesn’t charge a ton of traditional bank fees, can give members early access to their paychecks, and enables members to grow their savings automatically. And we’re just getting started. We are proud of our mission, devoted to our members, and passionate about applying technology to the challenge of making financial health a reality for everyone.

We have one of the most experienced management teams in Fintech and have raised over $800M in funding from DST, General Atlantic, Iconiq, Coatue, Dragoneer, Menlo, Access, Forerunner, and others. If you’re looking to join a fast-growing company with a beloved, daily-use product and an authentic mission that puts people first, we want to meet you.

About the Role

We are looking for a seasoned analyst who is data-driven and has strong analytical & technical skills. In this role, you will report to our Head of Credit Risk and will play a key role in developing the customer segments based on risk and value that would drive the limits, policies and strategy for all our current and future products. You’ll work closely with product, machine learning and analytics teams and will interact with business stakeholders across many departments

Responsibilities

  • Build customer segments to optimize our limits, policies and strategy for various product features (ATM withdrawal, Spend, ACH, MCD etc.,.) and provide the best possible customer experience while minimizing losses
  • Analyze customer transaction activity and identify attributes that predict customer’s risk and value (as early in the customer lifecycle as possible)
  • Develop an income estimator model leveraging both internal Chime and external 3rd party data
  • Work closely with the user research team to incorporate behavioral based member insights into the customer segmentation strategy
  • Develop ATO, AML and ACH fraud detection strategies to minimize losses
  • Partner with cross functional teams (Finance, Growth, Member Services etc.,.) to incorporate customer segments into their strategy/workstreams

Requirements

  • Bachelor’s degree in Engineering, Math, Finance or other quantitative discipline; Masters degree with a quantitative focus is a plus
  • 4-7 years of analytical experience, preferably in a consumer or risk segmentation role at a FinTech company
  • Excellent SQL programming and advanced Microsoft Excel skills
  • Experience in Python (or R or SAS or similar language)
  • Experience working on A/B testing and building segmentation strategies
  • Knowledge of regression or any of the ML techniques
  • Detail-oriented with exceptional organizational skills. Should be willing to get their hands dirty and solve hard analytical problems for the business
  • Ability to work in a fast-paced environment and meet aggressive deadlines while ensuring flawless execution
  • Experience working in Looker or similar business intelligence tool a plus
  • Excellent written and oral communication skills 
  • A strong passion for Chime’s mission

What we offer

  • Competitive salary based on experience, medical and dental benefits, as well as a 401k match
  • Free snacks and drinks, plus weekly catered lunches.
  • Flexible vacation policy.
  • Monthly happy hours and company events.
  • A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help create a completely new kind of banking service.

We know great work isn’t done alone. We’re building a team of individuals to Chime in with their different strengths to benefit our employees and members. We strongly believe that different backgrounds and ideas are a competitive advantage; we hire candidates of any race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, Veteran status, and any other status. Chime is proud to be an Equal Opportunity Employer and will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. If you have a disability or special need that requires accommodation, please let us know. To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • C++Languages
    • JavaLanguages
    • JavascriptLanguages
    • KotlinLanguages
    • PHPLanguages
    • PythonLanguages
    • RLanguages
    • RubyLanguages
    • ScalaLanguages
    • SqlLanguages
    • React NativeLanguages
    • ReactLanguages
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    • HTMLLanguages
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    • jQueryLibraries
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    • AngularJSFrameworks
    • DjangoFrameworks
    • Ember.jsFrameworks
    • Ruby on RailsFrameworks
    • CassandraDatabases
    • MySQLDatabases
    • PostgreSQLDatabases
    • AWSDatabases
    • Google AnalyticsAnalytics
    • MixpanelAnalytics
    • OptimizelyAnalytics
    • LookerAnalytics
    • SnowflakeAnalytics
    • AsanaManagement
    • ConfluenceManagement
    • JIRAManagement
    • TrelloManagement
    • WordpressCMS

What are Chime Perks + Benefits

Culture
Volunteer in local community
At Chime, we pledge 1% of our time to give back to the community!
Partners with Nonprofits
Friends outside of work
Eat lunch together
Intracompany committees
Chimers have the opportunity to join employee resource groups, better known as Chimer Resource Groups. Currently, the groups include DiversiChime, AfroChime, Chimehers, OutChime, and Chimigos.
Daily stand up
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Diversity
Highly diverse management team
Unconscious bias training
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Chime employees can contribute annually to their FSA.
Disability Insurance
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Dental Benefits
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Vision Benefits
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Health Insurance Benefits
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Life Insurance
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Wellness Programs
Retirement & Stock Options Benefits
401(K)
401(K) Matching
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Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
We provide up to 16 weeks of parental leave for the primary caretaker. Chime also provides 16 weeks of leave for the secondary caretaker.
Flexible Work Schedule
Chime provides employees with a flexible work schedule that includes Flexible start and end times.
Remote Work Program
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Family Medical Leave
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Return-to-work program post parental leave
Company sponsored family events
Acme co. sponsors family oriented events Annually.
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Paid Sick Days
๐Ÿ’š
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Free Daily Meals
Stocked Kitchen
Some Meals Provided
Happy Hours
Pet Friendly
Acme Co.'s pet policy is dog friendly daily.
Professional Development Benefits
Job Training & Conferences
Diversity Program
Lunch and learns
Acme Co. hosts lunch and learn meetings once per month.
Cross functional training encouraged
Promote from within
Continuing Education stipend
Time allotted for learning
Online course subscriptions available
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